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the rate

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Mortgage Planners, who is it for?

People looking to get the right loan at the right conditions, because interest rates are not everything

First-time house buyers looking to start the process

People wanting to avoid costly penalty fees

People looking to renovate their property

People renewing their mortgage loan

People looking to re-borrow on their house loan for a project (investment, business project)

People looking to consolidate their debts

People looking for professional guidance in every step of the mortgage loan process.

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RATES OF

2026-01-27 00:00:00

TERMS BANKS MORTGAGE PLANNERS
1 Year Fixed 7.14% 4.89%
2 Years Fixed 6.69% 4.24%
3 Years Fixed 6.35% 3.84%
3 year closed Variable 5.95% 4.45%
4 Years Fixed 6.29% 3.99%
5 Years Fixed 6.34% 3.89%
5 years Variable 5.20% 3.55%
Refinance Fixed or variable 7.65% 3.85%
7 Years Fixed 6.69% 4.59%
10 Years Fixed 7.14% 5.04%
HELOC 5.45% 4.95%

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Our Tips and Tricks

Preparing Your Mortgage Application: The First Step Toward Successful Financing

Are you considering purchasing a property or refinancing to bring new projects to life? Before taking the next step, properly preparing your mortgage application is essential. A well-organized file...

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Turn Your Debt into Savings: Cash Damming Explained

When you think about your mortgage, you probably focus on the interest rate and monthly payments. However, there’s a tax strategy that can completely change how you manage your finances: Cash...

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Planning for Retirement: How to Use Your Home Equity to Reduce Taxes

Retirement is a crucial stage that requires smart financial planning. Most of the time, we immediately think of our RRSPs, TFSAs, or other investments to ensure security. However, one powerful tool...

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